15 February 2012

No Spend Challenge - Week 2

Happy Valentine's Day! Best Valentine's gifts ever...tasty dinner at home with no cards/gifts and no expectations...and focusing on our love by committing to make good financial decisions and never let money struggles become an issue that can negatively affect our marriage. We have reached the half way point in our challenge, and though we haven't struggled much up to this point, I am still very intimidated by the next two weeks. I feel like I did when I reached the half way point of the Honolulu Marathon..."Hey, this has been easy so far. We haven't stopped once, let's take a break to go to the bathroom...." BUT then, you just can't get back into the same groove as before, and of course the second 13 miles is way harder because you are tired from running the first 13 miles. I hope that is not how this goes. Another thing is also similar, however....my determination to finish strong. I know we can do this.

Anyway, here is a daily log of week two:

Wednesday, February 8th:

Breakfast: Toast
Lunch: kids had hot dogs and canned pineapple, I had last night’s left over chicken and curry
Dinner: tacos, using the lettuce and tomatoes up before they start to get yucky…but they still look good
Today, Jocelyn and I made her school valentines out of stuff we already had around the house (thanks pinterest). I did some laundry, and all three kids napped at the same time, so I got some really good bible time in. I spent some time in prayer about about the kids, and our marriage, and this whole challenge thing. I felt renewed in spirit, and self control..and also, I think, in the fact that this was a good idea. Jocelyn has been earning quarters every day that she eats all her lunch, takes a nap, eats all her dinner, AND keeps the baby jail picked up. So far this month she has earned 3 quarters (she’s not perfect). But, she has been asking questions about why we can’t go certain places or buy certain things this month, and she totally gets what we are going for. I told her that we can spend a little money here and a little money there, and end up with a bunch of little things we don’t really need…or we cannot spend any money for a while, and save up to get some great things that we actually need…like a car and a house. She told me that she wants to save her quarters to help buy a new house!!! I told her that mommy and daddy would take care of the house, and that she could spend her quarters on herself, but that it is more rewarding to get something bigger and more meaningful by being patient. She seemed to understand, and that made me happy. Anyway, we didn’t spend any money today, so the cash envelope balance is still $47. We will need milk tomorrow, though.



Thursday, February 9th:
Breakfast: Sam-poptart Jocelyn-pancakes, and cereal for mom and dad
Lunch: PB&J and mandarin oranges for the kids, Tuna sandwiches for mom and dad
Dinner: Grilled pork steaks, corn and rice
Today was TOUGH. We ran out of milk this morning, so I knew we needed to get some. It is over $6 at the mini mart near our house, so I went to the commissary to get it for $4.70 instead. I walked there with my friends Stephanie and Kristen. It was a 5 mile round trip, and we took my three kids and Kristen’s twin boys who are Sam’s age. The kids were all great the whole time. We walked past McDonalds, and the “Any Size Soft Drink for $1.00!” sign tempted me big time. Number one, I was saving at least a $1 on gas by walking to the commissary, and I am saving $1.50 by buying milk at the commissary instead of the mini mart. The whole time we were at the NEX/commissary, I was justifying that giant $1 Dr. Pepper I was going to get on the way home, BUT it didn’t happen…even if I had tried, Steph and Kristen would have stopped me. I am SO glad they were in the commissary with me, too! Strawberries were on sale for $2.99 a basket, and they are usually like $5.99 a basket. Blueberries were $2, usually $4.99. Juice was $2. Fruit snacks were $1. And there were a bunch of other deals begging me to justify them…but I walked out with ONLY what I went in for, two gallons of milk. We spent $10 on Milk… Cash in Envelope: $37 (it’s only the 9th, and we are half way through our cash-yikes-but we shouldn’t need more milk until at least the 15th, and that $20 for dinner with the homeport ladies was a big unexpected/unplanned chunk…so $37 should easily last us to March 1st)

Friday, February 10th:

Breakfast: FUNNEL CAKES!!!   
Lunch: Spaghetti-os and the last of the corn dog muffins Brad took leftovers from last night
Dinner: Home Port - Kalua pulled pork and rice, broccoli, salad and fruit
We walked to the mini mart today to get a red box movie, because I got an email with a code for a free rental.  That was the highlight of my day (besides the funnel cakes for breakfast, of course). I fell down the stairs with Carolyn this morning…she is a-ok, but I hurt all over and I think I broke my finger. I am not going to the doctor or anything, but it got me thinking about non-military people who attempt a no-spend challenge. If I break something, or need urgent care, we can still go the whole month without spending. For most people, it wouldn’t work that way, and that sucks. These kinds of things remind me of how thankful I am for the benefits and opportunities that are available to us as a military family. We really are SO blessed. Cash in envelope: $37

Saturday, February 11th:
Breakfast: Pancakes
Lunch: Grilled cheese sandwiches
Dinner: Grilled BBQ pork ribs, pasta roni and green beans
We bought a bag of fun size kit kats before our challenge started, and we put it in the freezer for when we were craving a little something sweet. Well, it’s only day eleven and those suckers have been long gone for a while now. Last night for bible study I was rummaging through the pantry trying to come up with something for a desert…I grabbed a box of jell-o instant banana pudding, a packet of dream whip, and stuff to make pie crust. 20 minutes later I had two dozen banana mousse mini tartlets. I was pretty proud of my contribution because we usually like to stop at Anna Miller’s and pay $15.99 for a fresh strawberry pie (yum). Anyway, tonight we were itching for something chocolate, but I used the last of the chocolate chips to make cookies last week. THEN, I found the ‘CandiQuick’ wanna-be baker’s chocolate that I bought for like a buck after Christmas just because I figured I could use it for something eventually (just another example of how we buy things all the time with no specific intended purpose—just because it was on sale). Well, I am glad that we had it. I was also glad that we had half a bag of pecan halves left over from holiday pie baking. Then, I remembered the jar of caramel that has been in the fridge for like a year from when I made caramel apple mini tartlets for Easter! Score. Behold:














I also made Brad some chocolate walnut clusters with the extra chocolate:



Yeah, so I made Brad take our red box movie (that we rented yesterday using a promotional code for a free rental – BREAKROOM- try it) back to the mini mart because I didn’t trust myself to not buy a candy bar and scarf the evidence on the way home. But, instead we made our own yumminess at home, and it only took about 10 minutes! Envelope cash: $137 (we sold my old mattress today, and we put the $100 in the envelope, but don’t plan on touching it this month-we’ll see how that goes)

Sunday, February 12th:
Breakfast: Cereal
Lunch: Tuna sandwiches and macaroni and cheese
Dinner: Chicken Katsu, rice and corn


We are starting to run low on some things that I thought would last the whole month. I have been buying an extra loaf of bread every time I grocery shopped since November, and had six loaves frozen at the end of January. Somehow, we are down to only one, and it is only day 12. We were eating lunch out of the house so often, that we maybe went through a loaf a week. But now we are eating sandwiches so much more often that we go through bread super fast. We are also running low on juice, but thankfully I have two frozen apple juices in the freezer. We always half the juice with water, but we are still going through it faster than normal because we have been taking it easy on the milk. I am starting to get a little worried about that $37 lasting the whole month, but if we run out of certain things, we will just have to be more creative.:) I cut Brad's hair again tonight. I hope to get better at it so that he will let me continue to do it, and save us that $20-$30 a month. Cash envelope balance: $137


Monday, February 13th:

Breakfast: Cereal again :)
Lunch: PB&Js for me and the kids, and Brad took leftover Katsu and rice to work
Dinner: Pork loin, PastaRoni, and steamed bell peppers
The kids and I had a great day today (see previous blog). We made Valentines for Jocelyn's preschool class for tomorrow, we painted, we went to the pool, and we did some other free stuff. It just felt good to know that I don't have to spend money to keep them entertained. Jocelyn has been asking if we can go to the movies, or if we can go to Panda Express, and other stuff like that. I love that this lesson for myself and Brad is also a lesson for her. It's also eye opening to see what kind of kid we are raising when we tell her no for a month straight. So far she has been very understanding..."Oh yeah, that's right. We aren't spending any money. I forgot, Mom." <3 Anyway, a big expense is coming up this week because Brad has to go to a going away luncheon for a friend he works with. He is getting the same deal as me...$20 out of the cash envelope. Phew, we are going to be cutting it extremely close! As of now, cash envelope balance: $137

Tuesday, February 14th:
Breakfast: Pop tarts/cereal/oatmeal
Lunch: Burger King and Charley's!!!!
Dinner: A roast leg of lamb for Brad (which was supposed to be enough for dinner and his lunch tomorrow - 1.5 pounds - but he ate all of it tonight)...and cheeseburgers for me and the kids...and corn.
Okay, before you flip out about the lunch description...check these babies out:



I told Brad that I would bring lunch to him at work today because we didn't have left overs from last night for him to take, I didn't wake up early enough to prepare something for him to take, and he couldn't get out of work to come home for lunch. I surprised him with a chicken philly cheesesteak meal from Charley's, and he was like, "What? You caved?" Insert sly smile, "NOPE!" I have had these two "free combo meal" cards for a while, and was planning on using them half way through our challenge, kind of like a "hump day" deal, even though technically the half way point is tomorrow (Thanks a lot, leap year). It was a nice treat for the kids, too. We chose a #7 from Burger King for our free meal...the 9 piece chicken fries. However, there were 15 chicken fries in there! Bonus. Anyway, We are doing well so far, I just hope the next two weeks go by as fast as the last two did. We are running out of things that we usually stay stocked up on, and my baking urges have been depleting our butter supply faster than I anticipated. The main thing here, is that we haven't spent any money on eating out, toys, clothing, gas, luxuries, or entertainment, and we haven't felt the urge to. If we have to spend a little bit to get more bread, or juice, or q-tips, it shouldn't be that big of a deal...except that we are super competitive and we want to "win" our challenge. After Brad takes $20 out of the envelope for his going away luncheon on Thursday, we will be down to $17, and probably be needing milk and eggs that same day. I foresee us breaking into the $100 from the sale of our mattress, which would still not be spending any of our February pay checks...but would be going beyond our original plan. Staying positive...thinking of ways to be creative. Cash in envelope: $137

13 February 2012

...brought to you today by the letter P


Painting


Perfectionist


Pout


Plane


Precious


Picnic


Peaceful


Peanut butter and jelly


Posing


Paparazzi


Protection


Pool


Pals


Pirate ship


Postpartum


Packing up


Park


Playing


Peekaboo


Pigtails


Potty training


Princess soap (+ Patootie)


Patience


Pretending ("Look, mom! I am a turtle!")


Pacifier



Puke


Pain


Pinterest


Pudgy


Proverbs


Penny pinching


Pork, Pasta, Peppers


Pork, Pasta, Peppers


Procrastination


Pegging


Punishment


Pecan clusters


Propel


Piles


Pretty


Plumber


Picking up


Pink


Pillow


Prayer


Pucker up


Paradise


Pulchritudinous



Publish :)

Perfect. :)

09 February 2012

No Spend Challenge - week 1

A couple months ago, Brad and I decided that we were actually going to do this. We had talked about it before when we lived in Japan, but never did the prep required, and really just didn't even want to try it.

Our spending had gotten reckless, and we really felt the urge for some accountability in the self control department. After this expensive Christmas season, and with an impending move, we decided that February 2012 was going to be our first annual no spend month.

This isn't as easy as stocking up on groceries to last you the next month...we had to meal plan for January AND February so that we could buy groceries for both months on just our January grocery budget.

We took in our recycling at the end of January and got $83 (the fact that we had that much in cans and bottles just shows how excessively we spent on sodas and what not throughout the holidays). I spent $13 on Wendy's (our last fast food for a while) and the other $70 went in an envelope on the fridge, with a goal of using that for NEEDS.


Anyway, I decided to informally document each day of the challenge, to include our meals and my thoughts on our activities each day.

Here is week number one!

Wednesday, February 1st
–
Breakfast: french toast (bread-frozen, 2 eggs-exp 24 Feb, milk, vanilla, cinnamon) and canned mandarin orange slices
Lunch: Amy&Brad-frozen hamburgers with bacon, lettuce, cheese and tomato Kids-PB&J, applesauce and string cheese
Dinner: frozen grilled pork steaks (garlic salted w/bbq sauce), frozen corn and PastaRoni fettucine alfredo
MONEY SPENT today: $0 Brad took $10 out of the envelope on the fridge to go get a haircut (a 2x a month necessity for his job)…BUT, I convinced him to put it back, that we weren’t spending THAT kind of money on DAY ONE..and, I cut his hair!!!!! Go us. Cash envelope balance - $70

Thursday, February 2nd-
Breakfast: Pop tarts
Lunch: Grilled cheese sandwiches and tomato soup…and applesauce
Dinner: Baked chicken leg/thigh combos, steamed rice and steamed asparagus
MONEY SPENT: $0….We did pay Jocelyn’s preschool tuition today, which is counted as a “bill” so, I had to take $180 out of the ATM (we only pay them in cash because they take FOREVER to deposit checks). Her tuition is $175, so I got $5 in change that went into the milk/fruit/need envelope on the fridge. Non eventful day. Took Jocelyn to school, went for a run, took Sam to the park. I got some house cleaning and some pilates done during nap time. Not feeling the need or want to buy anything yet, but we do have 27 days of this left. Cash envelope balance-$75

Friday, February 3rd-
Breakfast: toast with plum jelly
Lunch: left over chicken and rice for me and Brad, and hot dogs, string cheese and mandarin oranges for the kids
Dinner: grilled steaks, rice, and corn
We were going to go to bible study tonight, but we got into an argument last night that lasted into the day today (not anything to do with spending), and we were both not in appropriate moods to go be around people. So, we saved on gas there even though we had planned on using it. But we missed out on dinner and fellowship. :( Cash envelope balance - $75

Saturday, February 4th-
Breakfast: pancakes
Lunch: BLTs for the grown ups PB&Js for the kids
Dinner: Grilled BBQ Pork Ribs for mom and dad, chicken nuggets for the kids (though after Sam scarfed his nuggets, he ate half my rib!)
I drove the van for the first time this month. Jocelyn had another 4 year old girl’s princess party to attend. It was only 4 miles away, so no big deal. Luckily I have a giant bag of brand new 4t girl Gymboree bargains just sitting in the closet, so we just picked out a dress and a tank/shorts set for the gift…and I have one of those boxes of birthday/sympathy/wedding/new home/get well cards, so we were covered without spending anything. It was fun! We had to spend our first of our recycling cash today, as we ran out of milk and eggs. We went for a family walk to the mini mart after dinner, and got one gallon of milk and a dozen eggs for $8. Next time we drive somewhere, I am going to the commissary because milk is almost $2 cheaper. Anyway, we are doing okay in most other areas. Having to take $8 out of the envelope was hard, but we need milk and we knew we would be buying milk throughout the month..that is what the envelope money is for. And the only reason I am out of eggs already is because we have had French toast, and I made cookies a few times to pass the time. Cash envelope balance: $67


February 5th-Superbowl Sunday-

Breakfast- cereal (Cinnamon Life, yum)
Lunch- tuna melts for Amy and Brad, Spaghetti-os for the kids
Dinner- Mac and cheese and sliced apples for Jocelyn and Sam, and Super Bowl Party food for mom and dad (I made a chicken Broccoli braid, but Brad brought home a bunch of food from the party he went to today, so we ate that…and I cut the broccoli braid into segments for him to take for his lunch this week). The kids and I stayed home and napped while he was gone. Cash envelope balance: $67


{Three lunches for Brad}

Monday, February 6th
Breakfast: Cereal for everyone (we are going to need milk again before we know it)
Lunch: Chicken nuggets and left over mac and cheese from last night for me and the kids…Brad took one of the broccoli braid slices to work with him.
Dinner: Kids-corndog muffins and green beans Brad-frozen hot wings and green beans I cheated and went beyond the 'need' spending to go out to dinner with all the ladies from home port...and I had Prime Rib. Not fair at all, I know. :(

Sam had an appointment at 9:30 this morning, and it made the first half of the day more a little faster. It was only 3 miles away, so the tank in the Van is still full. I went out with some ladies, which was definitely not a need…but two of them are moving off the island for good this week, and it was worth sacrificing some of our envelope cash to spend that time with them before they go! I took $20 out, so the new balance is: $47.

Tuesday, February 7th:
Breakfast: poptarts/cereal
Lunch: broccoli braid for Brad, PB&Js and applesauce for me and the kids
Dinner: Crock pot chicken curry, steamed rice, and steamed broccoli
I drove to drop off and pick up Jocelyn from school today because it was raining, but the tank is still on F. We just stayed inside and did some rain day stuff. I got some sewing done during naps, which made me feel just a little accomplished. Nothing spent..cash envelope balance: $47


So concludes week one of 4 weeks of no spending. I don't long for any fast food or Starbucks. I can hear my name periodically being called from a distance, I think it is Gymboree. I want a candy bar, and I am running low on soda already (I am not good at rationing that stuff). I can already forecast that we will run out of certain things that I will want more of...but we will cross those bridges when we get there...as long as the toll isn't more than $47. :) I am feeling positive and motivated, and I definitely think we can do this.